| After going public in 2009,the Agricultural Bank of China began to actively conduct business strategic transformation and achieved gratifying results,but there were still some contradictions and problems in the current credit management to be solved.Under the theoretical framework of credit refined management,precess management and excellent performance theory,this paper uses the Kmv model,as the core indicatorsthe of the expected default probability,default distance to analyze the change of the actual default probability of ZZ branch in2015 and 2016.This paper argues that the default distance ABC ZZ branch with the expected risk neutral index in2016 years,though a brief drop phenomenon,are higher than 2015 as a whole.In addition to the influence of the market,it also has connection with the internal risk control management.Due to the defects in the credit infrastructure and management of ZZ branch,it may lead to many problems such as the formalization of the credit review.ZZ branches have gradually awared of the necessity and urgency of the credit refined management,which is the the path to realize the credit business transformation and can make better service for market,and meanwhile an inevitable choice of internal risk control.This paper carries out that the problems existing in the credit management of ZZ branch: theconcept of credit management cannot meet the requirements of market competition;the design of credit decision mechanism is unreasonable;management of credit operations is in formalization;the extensive credit personnel management,and lack of effective incentive mechanism.Built on the overall goal of refinement management of ZZ branch,this paper designes a scheme based on two sides: the credit system management and process management.To smoothly implement the scheme,this paper thinks that setting up the credit refinement management idea,optimizing organization structure and strengthening the construction of credit personnel will be needed. |
PDF Full Text Request